First State Bank Of St. Charles, Missouri 2012 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
Mortgage Company & Address | First State Bank Of St. Charles, Missouri 2850 West Clay St St Charles, MO 63301 Tel #: available with data download |
Federal Regulator | * available with data download |
Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
Total Number of Mortgage Applications | 3,790 |
Total Mortgage Loan Application Amount | $665,401,000 |
Average Mortgage Loan Application Amount | $160,000 |
Highest Mortgage Loan Application Amount | $1,500,000 |
Average Applicant Income | $101,666 |
Highest Applicant Income | $1,574,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2012 with First State Bank Of St. Charles, Missouri. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing First State Bank Of St. Charles, Missouri's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2012 breaks down First State Bank Of St. Charles, Missouri's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how First State Bank Of St. Charles, Missouri serves its applicants.
Each category highlights the total number of mortgage applications processed by First State Bank Of St. Charles, Missouri, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at First State Bank Of St. Charles, Missouri's mortgage activity for 2012.
County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
---|---|---|---|---|
Adair County Missouri | 1 | $ 170,000 | $ 170,000 | $ 53,000 |
Alachua County Florida | 1 | $ 230,000 | $ 230,000 | $ 267,000 |
Arlington County Virginia | 1 | $ 236,000 | $ 236,000 | $ 61,000 |
Baltimore County Maryland | 1 | $ 368,000 | $ 368,000 | $ 108,000 |
Barry County Missouri | 2 | $ 327,000 | $ 163,000 | $ 167,000 |
Barton County Missouri | 1 | $ 94,000 | $ 94,000 | $ 165,000 |
Bates County Missouri | 1 | $ 99,000 | $ 99,000 | $ 59,000 |
Beaufort County South Carolina | 1 | $ 408,000 | $ 408,000 | $ 307,000 |
Boone County Missouri | 33 | $ 5,926,000 | $ 179,000 | $ 96,000 |
Boulder County Colorado | 1 | $ 120,000 | $ 120,000 | $ 187,000 |
Brevard County Florida | 1 | $ 296,000 | $ 296,000 | $ 194,000 |
Broomfield County Colorado | 1 | $ 257,000 | $ 257,000 | $ 130,000 |
Broward County Florida | 1 | $ 265,000 | $ 265,000 | $ 240,000 |
Buchanan County Missouri | 3 | $ 425,000 | $ 141,000 | $ 95,000 |
Caldwell County Missouri | 4 | $ 618,000 | $ 154,000 | $ 73,000 |
Callaway County Missouri | 12 | $ 1,472,000 | $ 122,000 | $ 75,000 |
Camden County Missouri | 282 | $ 50,322,000 | $ 178,000 | $ 133,000 |
Cape Girardeau County Missouri | 21 | $ 3,926,000 | $ 186,000 | $ 108,000 |
Carroll County Arkansas | 1 | $ 192,000 | $ 192,000 | $ 125,000 |
Cass County Missouri | 47 | $ 9,736,000 | $ 207,000 | $ 101,000 |
Cass County North Dakota | 1 | $ 140,000 | $ 140,000 | $ 34,000 |
Christian County Missouri | 5 | $ 829,000 | $ 165,000 | $ 74,000 |
Clay County Missouri | 39 | $ 6,930,000 | $ 177,000 | $ 89,000 |
Clinton County Missouri | 1 | $ 220,000 | $ 220,000 | $ 74,000 |
Cole County Missouri | 50 | $ 6,420,000 | $ 128,000 | $ 65,000 |
Cook County Illinois | 1 | $ 260,000 | $ 260,000 | $ 113,000 |
Crawford County Kansas | 1 | $ 57,000 | $ 57,000 | $ 136,000 |
Crawford County Missouri | 4 | $ 840,000 | $ 210,000 | $ 79,000 |
Cuyahoga County Ohio | 1 | $ 392,000 | $ 392,000 | $ 191,000 |
Dade County Missouri | 1 | $ 77,000 | $ 77,000 | $ 78,000 |
Dallas County Missouri | 1 | $ 82,000 | $ 82,000 | $ 40,000 |
Daviess County Missouri | 1 | $ 135,000 | $ 135,000 | $ 54,000 |
Denton County Texas | 1 | $ 114,000 | $ 114,000 | $ 48,000 |
Denver County Colorado | 1 | $ 113,000 | $ 113,000 | $ 92,000 |
Dickinson County Iowa | 2 | $ 1,045,000 | $ 522,000 | $ 949,000 |
Dickinson County Kansas | 1 | $ 74,000 | $ 74,000 | $ 45,000 |
Douglas County Colorado | 1 | $ 307,000 | $ 307,000 | $ 73,000 |
Douglas County Kansas | 3 | $ 661,000 | $ 220,000 | $ 114,000 |
Douglas County Nebraska | 1 | $ 97,000 | $ 97,000 | $ 134,000 |
DuPage County Illinois | 1 | $ 417,000 | $ 417,000 | $ 205,000 |
East Baton Rouge County Louisiana | 1 | $ 91,000 | $ 91,000 | $ 0 |
Erie County New York | 1 | $ 249,000 | $ 249,000 | $ 90,000 |
Fairfax County Virginia | 1 | $ 417,000 | $ 417,000 | $ 0 |
Flagler County Florida | 1 | $ 110,000 | $ 110,000 | $ 161,000 |
Flathead County Montana | 1 | $ 142,000 | $ 142,000 | $ 230,000 |
Forsyth County Georgia | 1 | $ 321,000 | $ 321,000 | $ 203,000 |
Fort Bend County Texas | 1 | $ 117,000 | $ 117,000 | $ 89,000 |
Franklin County Kansas | 1 | $ 233,000 | $ 233,000 | $ 62,000 |
Franklin County Missouri | 99 | $ 14,248,000 | $ 143,000 | $ 75,000 |
Frederick County Virginia | 1 | $ 382,000 | $ 382,000 | $ 245,000 |
Fulton County Georgia | 4 | $ 897,000 | $ 224,000 | $ 117,000 |
Gasconade County Missouri | 4 | $ 642,000 | $ 160,000 | $ 82,000 |
Greene County Missouri | 5 | $ 649,000 | $ 129,000 | $ 87,000 |
Hamblen County Tennessee | 1 | $ 50,000 | $ 50,000 | $ 42,000 |
Harris County Texas | 2 | $ 332,000 | $ 166,000 | $ 60,000 |
Harvey County Kansas | 1 | $ 204,000 | $ 204,000 | $ 146,000 |
Henry County Missouri | 3 | $ 606,000 | $ 202,000 | $ 411,000 |
Horry County South Carolina | 3 | $ 320,000 | $ 106,000 | $ 102,000 |
Iron County Missouri | 2 | $ 115,000 | $ 57,000 | $ 24,000 |
Jackson County Missouri | 225 | $ 40,822,000 | $ 181,000 | $ 99,000 |
Jasper County Missouri | 2 | $ 278,000 | $ 139,000 | $ 71,000 |
Jefferson County Kansas | 3 | $ 446,000 | $ 148,000 | $ 92,000 |
Jefferson County Missouri | 187 | $ 30,409,000 | $ 162,000 | $ 75,000 |
Johnson County Kansas | 454 | $ 100,178,000 | $ 220,000 | $ 109,000 |
Johnson County Missouri | 3 | $ 450,000 | $ 150,000 | $ 112,000 |
King County Washington | 1 | $ 374,000 | $ 374,000 | $ 232,000 |
Knox County Missouri | 1 | $ 85,000 | $ 85,000 | $ 69,000 |
Lafayette County Missouri | 3 | $ 517,000 | $ 172,000 | $ 78,000 |
Lake County Illinois | 1 | $ 162,000 | $ 162,000 | $ 97,000 |
Larimer County Colorado | 2 | $ 596,000 | $ 298,000 | $ 110,000 |
Leavenworth County Kansas | 25 | $ 4,550,000 | $ 182,000 | $ 85,000 |
Lee County Florida | 3 | $ 580,000 | $ 193,000 | $ 668,000 |
Lincoln County Missouri | 70 | $ 9,429,000 | $ 134,000 | $ 54,000 |
Lincoln County South Dakota | 2 | $ 1,086,000 | $ 543,000 | $ 639,000 |
Linn County Kansas | 1 | $ 59,000 | $ 59,000 | $ 27,000 |
Los Angeles County California | 1 | $ 138,000 | $ 138,000 | $ 39,000 |
Lubbock County Texas | 3 | $ 321,000 | $ 107,000 | $ 89,000 |
Macoupin County Illinois | 1 | $ 140,000 | $ 140,000 | $ 63,000 |
Madison County Illinois | 11 | $ 2,440,000 | $ 221,000 | $ 126,000 |
Madison County Missouri | 1 | $ 56,000 | $ 56,000 | $ 25,000 |
Maricopa County Arizona | 5 | $ 1,122,000 | $ 224,000 | $ 112,000 |
Maries County Missouri | 4 | $ 882,000 | $ 220,000 | $ 64,000 |
Marion County Missouri | 2 | $ 456,000 | $ 228,000 | $ 131,000 |
Mesa County Colorado | 1 | $ 145,000 | $ 145,000 | $ 51,000 |
Miami County Kansas | 12 | $ 2,530,000 | $ 210,000 | $ 75,000 |
Miller County Missouri | 54 | $ 8,102,000 | $ 150,000 | $ 108,000 |
Minnehaha County South Dakota | 3 | $ 1,239,000 | $ 413,000 | $ 744,000 |
Moniteau County Missouri | 2 | $ 219,000 | $ 109,000 | $ 73,000 |
Monroe County Illinois | 8 | $ 1,304,000 | $ 163,000 | $ 108,000 |
Montgomery County Illinois | 2 | $ 423,000 | $ 211,000 | $ 144,000 |
Montgomery County Maryland | 1 | $ 253,000 | $ 253,000 | $ 86,000 |
Morgan County Alabama | 1 | $ 113,000 | $ 113,000 | $ 69,000 |
Morgan County Illinois | 1 | $ 275,000 | $ 275,000 | $ 199,000 |
Morgan County Missouri | 25 | $ 4,066,000 | $ 162,000 | $ 96,000 |
Oklahoma County Oklahoma | 1 | $ 279,000 | $ 279,000 | $ 100,000 |
Osage County Missouri | 9 | $ 1,390,000 | $ 154,000 | $ 76,000 |
Perry County Missouri | 2 | $ 500,000 | $ 250,000 | $ 100,000 |
Pettis County Missouri | 10 | $ 1,045,000 | $ 104,000 | $ 50,000 |
Phelps County Missouri | 3 | $ 384,000 | $ 128,000 | $ 66,000 |
Pike County Missouri | 6 | $ 864,000 | $ 144,000 | $ 116,000 |
Platte County Missouri | 35 | $ 6,568,000 | $ 187,000 | $ 90,000 |
Platte County Nebraska | 5 | $ 922,000 | $ 184,000 | $ 184,000 |
Porter County Indiana | 1 | $ 183,000 | $ 183,000 | $ 93,000 |
Prince George's County Maryland | 1 | $ 323,000 | $ 323,000 | $ 128,000 |
Pueblo County Colorado | 1 | $ 219,000 | $ 219,000 | $ 172,000 |
Pulaski County Arkansas | 1 | $ 595,000 | $ 595,000 | $ 193,000 |
Pulaski County Missouri | 5 | $ 821,000 | $ 164,000 | $ 65,000 |
Ray County Missouri | 4 | $ 526,000 | $ 131,000 | $ 47,000 |
San Bernardino County California | 2 | $ 575,000 | $ 287,000 | $ 114,000 |
Sangamon County Illinois | 2 | $ 128,000 | $ 64,000 | $ 150,000 |
Sarpy County Nebraska | 1 | $ 140,000 | $ 140,000 | $ 55,000 |
Saunders County Nebraska | 1 | $ 165,000 | $ 165,000 | $ 134,000 |
Scotland County Missouri | 1 | $ 202,000 | $ 202,000 | $ 390,000 |
Scott County Missouri | 5 | $ 819,000 | $ 163,000 | $ 117,000 |
Sedgwick County Kansas | 1 | $ 96,000 | $ 96,000 | $ 200,000 |
Shannon County Missouri | 1 | $ 109,000 | $ 109,000 | $ 68,000 |
Shawnee County Kansas | 2 | $ 220,000 | $ 110,000 | $ 70,000 |
Somervell County Texas | 1 | $ 230,000 | $ 230,000 | $ 97,000 |
Sonoma County California | 1 | $ 65,000 | $ 65,000 | $ 21,000 |
St. Charles County Missouri | 868 | $ 140,329,000 | $ 161,000 | $ 75,000 |
St. Clair County Illinois | 11 | $ 1,415,000 | $ 128,000 | $ 105,000 |
St. Francois County Missouri | 53 | $ 6,142,000 | $ 115,000 | $ 58,000 |
St. Louis City County Missouri | 99 | $ 14,398,000 | $ 145,000 | $ 79,000 |
St. Louis County Missouri | 740 | $ 135,265,000 | $ 182,000 | $ 91,000 |
Ste. Genevieve County Missouri | 36 | $ 5,599,000 | $ 155,000 | $ 75,000 |
Stone County Missouri | 6 | $ 909,000 | $ 151,000 | $ 89,000 |
Tarrant County Texas | 3 | $ 641,000 | $ 213,000 | $ 101,000 |
Teton County Wyoming | 1 | $ 1,002,000 | $ 1,002,000 | $ 253,000 |
Texas County Missouri | 1 | $ 142,000 | $ 142,000 | $ 0 |
Ventura County California | 1 | $ 235,000 | $ 235,000 | $ 115,000 |
Virginia Beach County Virginia | 1 | $ 214,000 | $ 214,000 | $ 119,000 |
Walton County Florida | 1 | $ 131,000 | $ 131,000 | $ 48,000 |
Warren County Missouri | 39 | $ 6,166,000 | $ 158,000 | $ 68,000 |
Washington County Missouri | 9 | $ 912,000 | $ 101,000 | $ 49,000 |
Washtenaw County Michigan | 1 | $ 325,000 | $ 325,000 | $ 89,000 |
Waukesha County Wisconsin | 1 | $ 270,000 | $ 270,000 | $ 96,000 |
Wayne County Michigan | 1 | $ 157,000 | $ 157,000 | $ 166,000 |
Webster County Missouri | 1 | $ 92,000 | $ 92,000 | $ 60,000 |
Westmoreland County Pennsylvania | 1 | $ 191,000 | $ 191,000 | $ 112,000 |
White County Illinois | 1 | $ 181,000 | $ 181,000 | $ 118,000 |
Will County Illinois | 1 | $ 417,000 | $ 417,000 | $ 246,000 |
Wyandotte County Kansas | 25 | $ 3,833,000 | $ 153,000 | $ 62,000 |
Loan Purpose | Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
---|---|---|---|---|---|---|
Refinancing | 2,412 | $452,880,000 | $187,000 | $1,500,000 | $96,000 | $1,207,000 |
Home Purchase | 1,362 | $210,289,000 | $154,000 | $1,094,000 | $86,000 | $1,574,000 |
Home Improvement | 16 | $2,232,000 | $139,000 | $350,000 | $123,000 | $433,000 |
Applicant Race | Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
---|---|---|---|---|---|---|
White | 3,405 | $605,368,000 | $177,000 | $1,500,000 | $95,000 | $1,574,000 |
Black or African American | 144 | $20,794,000 | $144,000 | $1,399,000 | $60,000 | $300,000 |
Not applicable | 77 | $6,834,000 | $88,000 | $248,000 | $0 | $0 |
Not Provided | 55 | $10,848,000 | $197,000 | $408,000 | $98,000 | $229,000 |
Asian | 53 | $12,496,000 | $235,000 | $1,094,000 | $128,000 | $415,000 |
Hispanic | 48 | $7,855,000 | $163,000 | $675,000 | $94,000 | $678,000 |
Native Hawaiian or Other Pacific Islander | 6 | $962,000 | $160,000 | $270,000 | $96,000 | $215,000 |
American Indian or Alaskan Native | 2 | $244,000 | $122,000 | $125,000 | $41,000 | $43,000 |
Loan Type | Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
---|---|---|---|---|---|---|
Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 2,801 | $517,362,000 | $184,000 | $1,500,000 | $106,000 | $1,574,000 |
FHA-insured (Federal Housing Administration) | 772 | $111,975,000 | $145,000 | $417,000 | $54,000 | $1,236,000 |
VA-guaranteed (Veterans Administration) | 136 | $26,832,000 | $197,000 | $674,000 | $56,000 | $300,000 |
FSA/RHS (Farm Service Agency or Rural Housing Service) | 81 | $9,232,000 | $113,000 | $280,000 | $44,000 | $134,000 |
Outcome | Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
---|---|---|---|---|---|---|
Loan Originated | 2,933 | $521,303,000 | $177,000 | $1,425,000 | $93,000 | $1,574,000 |
Application Denied By Financial Institution | 413 | $68,075,000 | $164,000 | $1,500,000 | $81,000 | $822,000 |
Application Withdrawn By Applicant | 370 | $64,358,000 | $173,000 | $788,000 | $102,000 | $1,236,000 |
File Closed For Incompleteness | 59 | $9,583,000 | $162,000 | $412,000 | $84,000 | $284,000 |
Application Approved But Not Accepted | 15 | $2,082,000 | $138,000 | $417,000 | $51,000 | $167,000 |
Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason | Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
---|---|---|---|---|---|---|
Debt-To-Income Ratio | 1 | $128,000 | $128,000 | $128,000 | $23,000 | $23,000 |
Credit Application Incomplete | 1 | $176,000 | $176,000 | $176,000 | $52,000 | $52,000 |
Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Other | 0 | $0 | $0 | $0 | $0 | $0 |
Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First State Bank Of St. Charles, Missouri's 2012 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess First State Bank Of St. Charles, Missouri's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Missouri, download the full spreadsheet
with aggregated HMDA statistics today.
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